How to remove a financial association on Equifax
Still financially linked to someone on your Equifax report? If all joint accounts are closed, you can break that link by filing a Notice of Disassociation with Equifax.
One important thing: you need to do this with each CRA separately. Removing the link on Equifax doesn’t touch the other two.
Key takeaways
- Free to dispute — your legal right under CCA s.159 and UK GDPR.
- Equifax must respond within 28 days.
- Lender has 21 days to respond to Equifax’s enquiry.
- Check your Equifax report free via ClearScore.
How to dispute with Equifax
Contact Equifax directly via the Online Help portal or download the Notice of Disassociation form (PDF). The form has three sections: your details, the associate’s details, and a declaration of financial independence.
Submit by post to PO Box 10036, Leicester, LE3 4FS. Or email to [email protected].
Equifax checks that all joint accounts are closed. Processing takes approximately 28 days.
Equifax-specific tips
Equifax requires a specific Notice of Disassociation form. Download it from the Online Help portal before submitting.
Evidence you’ll need
- You’ll need confirmation that all joint accounts are closed (closing statements or letters from lenders), proof of separate addresses if applicable, and the associate’s details (name, date of birth if known).
- Equifax requires a specific Notice of Disassociation form. Download it from the Online Help portal at help.equifax.co.uk/EquifaxOnlineHelp. The form has three sections: your details, the associate’s details, and a declaration of financial independence. Submit by post to PO Box 10036, Leicester, LE3 4FS, or email to [email protected].
Timeline
Equifax processing takes approximately 28 days. They verify with lenders that no joint products remain active before removing the association. Equifax confirms receipt within 24 hours.
If all joint accounts are clearly closed, the verification may be faster. But if any account status is ambiguous, Equifax may need the full 28 days to confirm with each lender.
If your dispute is rejected
If Equifax rejects the disassociation, check for any forgotten joint accounts (dormant bank accounts, old utility accounts, store cards). All joint products must be closed first.
For re-submissions, use the alternative form at disputeuk.zendesk.com. Formal complaints go to [email protected] or call 0800 014 2955.
FAQs
Can I remove a financial association on Equifax while keeping a joint mortgage?
Generally no — all joint products must be closed first. Experian is the exception: they may break the link if you’ve lived apart for 6+ months.
Does disassociation on Equifax affect the other CRAs?
No. You must file a Notice of Disassociation with each CRA separately.
Dispute this on another CRA
Other disputes on Equifax
Related topics
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